The most effective portray insurance coverage corporations provide painters the protection they want at a good worth. Nevertheless, each portray enterprise is exclusive, so determining what that appears like to your operations may be difficult. We evaluated dozens of painters insurance coverage suppliers based mostly on their coverages, typical premiums, and on-line experiences to establish the 5 greatest.

What Is Painters Insurance coverage?

One purpose discovering the most effective portray insurance coverage corporations is so tough is that painters insurance coverage truly refers to a number of insurance policies. Every coverage supplies safety for various dangers. For example, most painters want general liability in case a shopper sues for property injury or bodily harm. Some painters may additionally need property insurance for his or her tools or industrial auto for his or her work truck.

Lengthy story quick? What’s proper for one portray enterprise might not be vital for an additional. Nevertheless,  meaning it is advisable to take into consideration the way you run your online business as you determine which firm has the suitable painters insurance coverage for you.

CoverWallet: Total Greatest Portray Insurance coverage Firm


As a web based insurance coverage dealer, CoverWallet works with an intensive community of carriers, which makes it the suitable alternative for portray corporations that tackle each inside and exterior jobs, together with these above three tales. These companies may be tough to insure, however CoverWallet can usually discover protection for them and painters with much less dangerous operations. Common legal responsibility insurance policies via CoverWallet begin at $39 per 30 days.

CoverWallet Strengths

CoverWallet Weaknesses

On-line quotes for many insurance policies from a number of carriers

Claims processing varies by provider

Help obtainable through chat, e-mail, and telephone

Monetary energy varies by provider

Creates prompt, downloadable certificates of insurance coverage (COI) at no cost

Dealer charges could apply

On-line account for coverage administration

Presents surety bonds


Visit CoverWallet


CoverWallet doesn’t write the protection it sells, however it does present entry to quite a few carriers that may present a full lineup of basic portray insurance coverage insurance policies, similar to:

Moreover, CoverWallet companions with just a few insurers that may write surety bonds. Whereas not technically insurance coverage, bonds are sometimes a necessary safety for painters and typically are required for licenses.


CoverWallet lists minimal premiums, such because the lowest quantity a provider expenses for a coverage, on its web site. For painters, it provides minimal premiums for 3 ranges of protection:

  • Fundamental: Common legal responsibility, beginning at $39 per 30 days
  • Customary: Common legal responsibility plus skilled legal responsibility, beginning at $89 per 30 days
  • Professional: Common legal responsibility, skilled legal responsibility, and employees’ compensation, beginning at $89 per 30 days

Painters also can select so as to add in any variety of insurance policies via CoverWallet’s provider companions. One of many good issues about working with a dealer like CoverWallet is which you can decide to purchase your whole painters insurance coverage via a single provider or combine and match protection from a number of carriers. Each may end up in value financial savings, relying on the provides you obtain.

Merely Enterprise: Greatest for Evaluating Legal responsibility Insurance coverage Insurance policies

Simply Business

Simply Business is a brand new on-line insurance coverage dealer, however the firm works with many top-rated carriers like CNA and Vacationers. This offers painters an opportunity to check protection choices and premiums to ensure they’re getting the suitable deal for his or her companies. Merely Enterprise can provide normal legal responsibility and employees’ comp to companies with each inside and exterior portray operations in addition to contractors who add on different companies or who do signal portray and lettering.

Merely Enterprise Strengths

Merely Enterprise Weaknesses

Offers a number of quotes for normal painters legal responsibility insurance coverage

Property protection not at all times obtainable

Easy, on-line utility

Monetary ranking and claims course of varies by provider


No on-line coverage administration

Visit Simply Business


Regardless of working with high carriers, Merely Enterprise is a little more restricted within the protection it may possibly promote. It solely lists employees’ compensation and normal legal responsibility as obtainable insurance policies. Nevertheless, the appliance does ask if you’d like enterprise property protection if it’s obtainable.


Merely Enterprise doesn’t checklist any minimal premiums on its web site, however we acquired quotes for a one-person operation taking inside portray jobs with annual premiums within the $700 to $900 vary. Premiums have been related for inside signal portray and lettering however went up considerably for exterior work, touchdown within the $1,000 to $2,000 vary.

Hiscox: Greatest for Microbusinesses


Hiscox is a big insurance coverage supplier that does a superb job of delivering fast quotes and broad protection to microbusinesses with 10 or fewer workers. As an A-rated supplier, Hiscox supplies normal legal responsibility insurance coverage with a minimal premium of lower than $30 per 30 days. The provider additionally provides cost plans at no further cost and a reduction of as much as 5% for home-based companies.

Hiscox Strengths

Hiscox Weaknesses

Sturdy urge for food for enterprise with zero to 10 workers

Solely provides normal legal responsibility insurance policies for painters on-line

Reductions for home-based companies and buying a number of insurance policies

Protection not obtainable in all states

14-day a refund assure

On-line quotes and buying obtainable

A (Wonderful) ranking from A.M. Greatest


Visit Hiscox


Hiscox solely writes normal legal responsibility insurance coverage for the portray enterprise, and that’s just for inside and signal portray operations. On the plus facet, nonetheless, Hiscox can be one of many few carriers comfy with insuring microbusinesses. Plus, it’s normal legal responsibility comes with many nice options for painters, embody:

  • Per prevalence limits as little as $300,000 or as excessive as $5 million
  • $10,000 restrict for damages to premises rented to the enterprise
  • As much as $25,000 in optionally available enterprise tools protection

So, whereas Hiscox doesn’t provide a real BOP, it may possibly cowl a few of your business-owned property.


The minimal premium for normal legal responsibility from Hiscox is $350 per yr, or barely lower than $30 per 30 days. Not many enterprise homeowners get that price, so we tried getting just a few quotes ourselves and located premiums for one-person portray operations, all inside, round $600 to $1,194 per yr. Location seems to take advantage of distinction in worth.

Progressive Industrial: Greatest for Industrial Auto Insurance coverage

Progressive Commercial

Painters who’ve a piece truck or van to insure and who have already got legal responsibility protection ought to get a quote from Progressive Commercial. The Progressive Benefit Enterprise Program provides painters with a BOP or normal legal responsibility as much as 15% off their industrial auto—even when these different insurance policies aren’t bought via Progressive Industrial.

Progressive Industrial Strengths

Progressive Industrial Weaknesses

Presents eight industrial auto reductions

Most insurance policies outsourced to a web based dealer

Permits painters to get quotes and purchase insurance policies on-line

No on-line claims submitting for industrial clients

24/7 claims dealing with


A (Wonderful) ranking from A.M. Greatest

Visit Progressive Commercial


The one coverage Progressive Industrial writes is industrial auto insurance coverage. Nearly every thing else will get outsourced to on-line brokers. That mentioned, Progressive Industrial is likely one of the high enterprise auto insurance coverage suppliers in the US.


Progressive Industrial states that industrial auto, the coverage that covers automobiles, mild vehicles, SUVs, and vans, prices painters $181 per 30 days on common. That’s depending on a number of components like your driving report, location, and automobiles. Moreover, Progressive Industrial provides cash off to its policyholders, together with reductions for:

  • Having enterprise expertise
  • Sustaining steady protection
  • Shopping for a number of insurance policies
  • Paying premiums upfront
  • Paying by digital fund switch

Thimble: Greatest for Brief-term Legal responsibility Insurance coverage


Thimble provides a brand new approach of getting painters legal responsibility insurance coverage. Its on-demand platform lets painters buy normal legal responsibility by the yr, month, week, or hour, making it simpler for them to handle their money stream. Furthermore, Thimble lets painters with month-to-month insurance policies pause their protection for as much as 30 days.

Thimble Strengths

Thimble Weaknesses

Presents painters legal responsibility insurance policies by the month or on demand

Different insurance policies can be found however on an annual foundation

Means that you can pause month-to-month insurance policies for as much as 30 days

Quotes more likely for low-risk operations

On-line quotes obtainable

Not obtainable in Kentucky, New York, or Washington

Limitless free further insureds


Protection supplied by A.M. Greatest A-rated carriers

Visit Thimble


For painters, Thimble solely provides normal legal responsibility insurance coverage, which is normally enough for many contractors. The coverage is obtainable on a short-term foundation, and the preliminary quotes lists protection limits of:

  • $1 million per prevalence/$1 million mixture
  • $5,000 in medical bills for anyone individual
  • $1 million for promoting harm claims, similar to defamation
  • $1 million for product and accomplished operations legal responsibility

The preliminary quote is just for the painter buying the coverage performing solely the work initially indicated within the utility. For instance, if you choose “Painting (Exterior Only),” your quote is for a coverage that solely covers that exercise. Nevertheless, you possibly can add crew members and different companies plus improve your protection limits after the preliminary quote. All of those add-ons value more cash.

Word: Thimble does provide protection to exterior portray operations however excludes something greater than three tales.


Thimble doesn’t checklist any minimal premiums on its web site, however its utility is really easy to finish that we ran via it 4 instances for various states and enterprise sorts. The quotes got here as a mean paid per 30 days for a yr and fell within the following ranges:

  • Exterior solely: $114 to $205
  • Inside solely: $64 to $114
  • Signal portray and lettering: $125 to $176

Multiplied out for the yr, and these quotes appear just about on par with others on our checklist. Bear in mind, nonetheless, that the protection limits are set at both $1 million or $2 million. Different insurance coverage corporations we reviewed are sometimes extra versatile in setting limits, and choosing decrease limits can scale back your premium too.

One other factor to notice about Thimble is that your premium varies each month you proceed your coverage. The sooner months are normally dearer due to the danger publicity to the insurer, plus Thimble expenses much less for shorter months.

How We Evaluated the Greatest Portray Insurance coverage Corporations

Cost and required coverage are the largest considerations when painters purchase enterprise insurance coverage, so we centered on carriers and brokers that had the suitable insurance policies and provided them at a good worth. Nevertheless, we additionally appeared for corporations that make quoting, shopping for, and managing insurance policies simpler. Options like on-line functions and coverage administration platforms save enterprise homeowners time.

Backside Line

Painters insurance coverage might not be the very first thing you wish to spend your cash on, however it’s important for safeguarding your online business. The easiest way to maintain prices down is to check quotes from a number of top-rated painters insurance coverage corporations. That approach, you possibly can choose the suitable protection for your online business and your funds.


Please enter your comment!
Please enter your name here